Mortgage Rates in Noblesville, Indiana — March 2026
Updated March 2026 | Based on Noblesville market data and regional lending conditions
Noblesville is a growing city in Indiana with a population of 69,604. The current 30-year fixed mortgage rate in Noblesville is 6.75%, which is 0.1% above the national average. With a median home price of $345,000 and a 20% down payment of $69,000, homebuyers can expect a monthly principal and interest payment of approximately $1,790.
Current Mortgage Rates in Noblesville, IN
Below are the current average mortgage rates available in the Noblesville area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.75% | 6.65% | +0.1% |
| 15-Year Fixed | 5.99% | 5.89% | +0.1% |
| 5/1 ARM | 6.25% | 6.15% | +0.1% |
| FHA | 6.35% | 6.25% | +0.1% |
| VA | 6.15% | 6.05% | +0.1% |
| Jumbo | 6.95% | 6.85% | +0.1% |
Noblesville Housing Market Overview
The Noblesville housing market reflects moderate demand with prices near the national average. The median household income in Noblesville is $92,250, and the cost of living index is 95.5 (national average = 100). Based on the 28% affordability rule, the median income in Noblesville is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Noblesville
Based on the median home price of $345,000 with 20% down ($69,000), here is what you can expect to pay monthly in Noblesville:
15-Year vs. 30-Year Mortgage in Noblesville
Choosing a 15-year mortgage in Noblesville at 5.99% instead of a 30-year at 6.75% would save you $225,360 in total interest over the life of the loan. However, your monthly payment would be $2,328 instead of $1,790 — an increase of $538 per month.
Calculate Your Noblesville Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Noblesville
What are the current mortgage rates in Noblesville, IN?
As of March 2026, the average 30-year fixed mortgage rate in Noblesville, Indiana is 6.75%, while the 15-year fixed rate is 5.99%. FHA loans average 6.35% and VA loans 6.15%. These rates are 0.1% above the national average of 6.65%.
How much is a monthly mortgage payment in Noblesville?
Based on the median home price of $345,000 with 20% down, the estimated monthly mortgage payment in Noblesville is $1,790 for principal and interest. Including property taxes of $244/month, the total monthly housing cost is approximately $2,034.
What income do I need to buy a home in Noblesville?
Using the 28% rule, you would need an annual income of approximately $87,171 to afford the median-priced home in Noblesville at $345,000. The median household income in Noblesville is $92,250. The median income is currently sufficient to meet this threshold.
Is Noblesville a good place to buy a home in 2026?
Noblesville offers a below-average cost of living with a cost of living index of 95.5 (national average = 100). The property tax rate in Indiana is 0.85%, which is near the national average. Noblesville has a population of 69,604 and offers a balanced lifestyle.
Mortgage Rates in Other Indiana Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Noblesville, Indiana area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.